Abstract: A Virtual Reality (VR) system and method are provided that integrates transaction processing. A VR session customer transaction information is obtained and a transaction is concluded with the transaction information during the VR session.

Abstract: A user is assigned an initial risk score during a session with a messaging platform. During the session, the user attempts an operation with an external service. One or more additional authentication factors are requested from the user to dynamically lower the initial risk score. The lowered risk score is processed with the external service to perform the operation on behalf of the user during the session.

Abstract: A user is assigned an initial risk score during a session with a messaging platform. During the session, the user attempts an operation with an external service. One or more additional authentication factors are requested from the user to dynamically lower the initial risk score. The lowered risk score is processed with the external service to perform the operation on behalf of the user during the session.

Abstract: A user is initially registered during a session with a messaging platform through an out-of-band registration communication. When a user attempts to make a payment within the session or within subsequent sessions with the messaging platform or subsequent sessions with different messaging platforms, the user is presented token names representing registered forms of payment within the user's session. The selected token name is mapped outside the session to specific registered payment details and the payment processing is processed on behalf of the user during the session but through out-of-band session communications. Confirmation of payment is then sent back to the user in a session communication.

Abstract: A user identifier to a user is received over a messaging platform. The user identifier is mapped to a user identity that includes an identity mapping to a plurality of other user identifiers for the user that are used over other messaging platforms by the user.

Abstract: A user is initially trained for voice authentication within a messaging platform session. After training and during the same session or a different session with the messaging platform session or with a different messaging platform, and when the user requests during such session a sensitive operation be performed on behalf of the user with an external service, a randomly generated voice challenge is delivered to the user during that session. If a returned voice recording from the user is authenticated in response to the issued voice challenge, then the sensitive operation is performed on behalf of the user during the session.

Abstract: A portion of information is cryptographically hashed to obtain a hash value. The hash value is submitted as a search to shared cryptographic cooperatively shared transaction data structure and results are obtained for previous transactions associated with the information. A decision is made as to whether a pending transaction for the information is to be submitted to a host for processing or whether the pending transaction is to be denied before the information is provided to the host.

Abstract: A Virtual Reality (VR) system and method are provided that integrates transaction processing. A VR session customer transaction information is obtained and a transaction is concluded with the transaction information during the UR session.

Abstract: A user is initially registered during a session with a messaging platform through an out-of-band registration communication. When a user attempts to make a payment within the session or within subsequent sessions with the messaging platform or subsequent sessions with different messaging platforms, the user is presented token names representing registered forms of payment within the user's session. The selected token name is mapped outside the session to specific registered payment details and the payment processing is processed on behalf of the user during the session but through out-of-band session communications. Confirmation of payment is then sent back to the user in a session communication.

Abstract: A user is assigned an initial risk score during a session with a messaging platform. During the session, the user attempts an operation with an external service. One or more additional authentication factors are requested from the user to dynamically lower the initial risk score. The lowered risk score is processed with the external service to perform the operation on behalf of the user during the session.

Abstract: A user is initially trained for voice authentication within a messaging platform session. After training and during the same session or a different session with the messaging platform session or with a different messaging platform, and when the user requests during such session a sensitive operation be performed on behalf of the user with an external service, a randomly generated voice challenge is delivered to the user during that session. If a returned voice recording from the user is authenticated in response to the issued voice challenge, then the sensitive operation is performed on behalf of the user during the session.

Abstract: A user identifier to a user is received over a messaging platform. The user identifier is mapped to a user identity that includes an identity mapping to a plurality of other user identifiers for the user that are used over other messaging platforms by the user.